Late Payment Discussions, Offers & Promotions

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  • Credit Score jumped 41 points! Still have 30 day late payment

    ... score from 680's to now 715 on my equifax report and 723 at Borrowell. Everything looks good on my account but at the bottom I noticed one 30 day late payment from a secured Capital one card back in November of 2015... 1.) How long do closed accounts stay on your record? 2.) is there anyway to ...

    • GuitarZan06
    • Aug 2nd, 2020 7:38 am
    • Forum: Personal Finance

  • Credit Score Drop 30 Days late payment how long til recover?

    Hello, I recently faced a 30 days late payment by a creditor to my mistake, i've since within the same month of seeing that rectified the matter and cleared the account. It costed me about 85 Pts on equifax. How long does it take to regain ...

    • Tigress2017
    • Jun 4th, 2019 9:41 am
    • Forum: Personal Finance

  • Credit issue - removing incorrect late payment from history

    Hi, I work for a financial institution and my wife had recently applied for an emergency line of credit. Now the advisor who set this up added some kind of a monthly fee to it whereas it should've been pay as you go line of credit. Now she has incurred these charges for two months and showing as she...

    • masarwar
    • Feb 22nd, 2019 12:53 am
    • Forum: Personal Finance

  • Landlord and repeated late payment fr tenant on Welfare....how to proceed..

    Before judgement is laid, being a rookie landlord, I admit I did screen incorrectly and had wrong logic. I thought renting to welfare income assistance individual would be the safest bet with guaranteed cheques however I was wrong. Backstory, in BC, renting to a mother and daughter both on income as...

  • Shaw Late Payment Charges ???

    I just rec'd my shaw bill, and there was late payment charges. I have been with Shaw since late 80's. I usually pay my bill few days late. When did Shaw start to have late payment charges?

    • RobertL130
    • Oct 28th, 2018 9:53 pm
    • Forum: Shopping Discussion

  • CDLS

    Has anyone had experience with CDLS or other car lease providers?Edit: Thanks for the insight and confirmation!

    • aweawea
    • Oct 19th, 2018 12:14 pm
    • Forum: Credit Cards

  • Scotiabank late payment

    ... date of the next day, because it seems like it was taking EST into consideration. Since I have had such a great history, will this count as a late payment? Their customer service is almost impossible to reach. Anyone with experience? Will this show as a late payment in the bureau? Technically, ...

    • wickkedd
    • Jun 6th, 2018 11:23 am
    • Forum: Personal Finance

  • Late payment of 2 dollar with koodo

    Hello I had a problem with koodo after closing the account with them and after 2 month of being with tellus .I received a mail from them that I owe them 2 dollar over charge and I have to pay it now as 5.61 .I called the customer service he told me just paid and it will not be reported as late .Howe...

    • lebanonbc
    • Jun 21st, 2017 4:06 am
    • Forum: Personal Finance

  • Bell Canada's Unregulated Late Payment Fee!

    I was helping an acquaintance with their Bell Canada bill and found an item under "Partial and Other Charges & Credits" listed as "Late Payment Fee Unregulated ". Directly below this is the customary "Late Payment Fee Regulated ." The Unregulated Fee is substantially more and in addition ...

  • Late Payment History Question

    Hello, I was wondering if anyone knows how long it takes for late payments reporting on credit report to be removed. In the past, I had a couple of late mortgage payments which are still currently reporting on my credit report. The mortgage is still active and in good standing with perfect payment f...

    • gemini777
    • Apr 17th, 2017 8:35 pm
    • Forum: Personal Finance

  • Koodo 5 dollar late payment

    ... paying all my bills on time .after 2 month after being with the another company , I received a mail from Koodo saying that they owe me 5 dollar late payment as cancellation fees and extra data which they never told me about before.my problem is not with this .after paying it the same date in ...

    • lebanonbc
    • Dec 23rd, 2016 6:28 pm
    • Forum: Personal Finance

  • Impact of late payment on credit score?

    Hello, I charged 3$ to a rarely used CC and kinda forgot about it until now... a quick check on my statements show the payment was due on Oct 17; I've just paid it today and there appears to be no interest (interest on 3$ probably rounds down to 0 hah). My question is will this impact my credit scor...

    • Melkorbane
    • Nov 6th, 2016 8:19 pm
    • Forum: Personal Finance

  • Remove late payment from credit score

    Hey guys. Looking for advice. Long story short I missed two credit card payments and was 60 days late, got a phone call. I should've asked the CSR but I was so shocked/startled scared. I've heard about these things staying for 7 years. Anyways is there anything I can do to get them to remove it out ...

    • sartorius65
    • Aug 15th, 2016 1:57 am
    • Forum: Personal Finance

  • Citi Mastercard always sends statements out late?

    I've got a Citi Enrich Mastercard. I've had it for a while. But I've noticed lately I always get the statement very close to the due date. With holidays sometimes I get it on the due date or after. I live in Vancouver BC...not like I live in boonies. Today Feb 9, 2010 I got my statement which was do...

    • pat_wobbly
    • Feb 10th, 2010 12:35 am
    • Forum: Personal Finance

  • Credit Score: Cancelling CC with lates

    One of my friend wanted to know if it is advisable to cancel the credit card with many late payments. He has RBC Visa card with $6000 limit opened in 1997-05 with 12 payments 30 days late; 02 payments 60 days late ;No payment 90 days late; Two payments past due ( 2005-05 ) ; Two payments past due ( ...

    • Ailliro
    • Jan 10th, 2010 4:25 pm
    • Forum: Personal Finance

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